The question of cardio frequency for fat loss is more nuanced than most people realise. The common assumption is "more is better" but this approach often leads to overtraining, muscle loss, and metabolic adaptation - your body becoming more efficient and burning fewer calories at rest. Smarter cardio programming is more effective than more cardio.
For most people pursuing fat loss, 3-4 cardio sessions per week is the sweet spot. This provides sufficient calorie expenditure and cardiovascular stimulus without excessive recovery demands. Structure matters: 1-2 HIIT sessions per week plus 1-2 steady-state sessions of 30-45 minutes covers all bases. If you're also strength training 3-4 times per week, total training days will be 5-6, which is manageable with proper nutrition and sleep.
The most important fat-loss variable isn't cardio frequency - it's total calorie balance through the combination of diet, cardio, and daily movement (steps, incidental activity). Many people do excessive cardio while ignoring daily step count, which is a more sustainable fat-loss driver. Aim for 8,000-10,000 steps daily as a baseline, add 3 cardio sessions per week, and control your diet. This approach burns fat consistently without the performance and hormonal downsides of excessive cardio. Adjust frequency up or down based on fat-loss rate and how you feel.